Credit cards for bad credit

We recommend these cards from our partners.
CK Editors’ Tips††: If you have bad credit, the right credit card can help you improve your financial situation while it provides crucial access to credit. Look for cards that can help set you up for success over the short and long terms.
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What to consider when choosing a credit card for bad credit
Ideally, a credit card for bad credit serves as a stepping stone to more and better features on a future credit card. Try to find the card with features that can set you up for credit success — low fees, relatively high minimum credit limits, and bonuses for on-time payments like automatic reviews for credit limit increases. Also, while rewards can be nice to have on these cards, you probably shouldn’t look at them as the main draw.
How we picked the best credit cards for bad credit
Our picks for the best credit cards for bad credit all offer chances to build credit and set yourself up for financial success. First, we focused on cards that offered flexible requirements for approval. From there, we zeroed in on useful features when building credit, like high minimum credit limits, opportunities to graduate from a secured card to an unsecured card, and rewards that don’t come with high annual fees. Read more about our methodology for picking the best credit cards.
Jump to editors’ picks

Credit One Bank® Platinum Visa® for Rebuilding Credit
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Credit One Bank® Platinum Visa® for Rebuilding Credit

Credit One Bank® Platinum Visa® for Rebuilding Credit

  • Rewards rate

    1%
    Cash back
  • Annual fee

    $75 for the first year, $99 thereafter
Rewards rate

1% Cash back

Annual fee

$75 for the first year, $99 thereafter

Milestone® Mastercard®
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Milestone® Mastercard®

Milestone® Mastercard®

  • Regular purchase APR

    24.90%
  • Annual fee

    $75 the first year; $99 thereafter
Regular purchase APR

24.90%

Annual fee

$75 the first year; $99 thereafter

Great for people working on their credit††
Indigo® Mastercard®
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Indigo® Mastercard®

Great for people working on their credit††

Indigo® Mastercard®

  • Regular purchase APR

    24.90%
  • Annual fee

    $75 the first year; $99 thereafter
Regular purchase APR

24.90%

Annual fee

$75 the first year; $99 thereafter

Great for building credit from scratch††
First Progress Platinum Select Mastercard® Secured Credit Card
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First Progress Platinum Select Mastercard® Secured Credit Card

Great for building credit from scratch††

First Progress Platinum Select Mastercard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    18.24%*
    Variable
  • Annual fee

    $39
Min. deposit

$200 Refundable

Regular purchase APR

18.24%* Variable

Annual fee

$39

Great for building credit††
OpenSky® Secured Credit Visa® Card
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OpenSky® Secured Credit Visa® Card

Great for building credit††

OpenSky® Secured Credit Visa® Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    21.64%*
    Variable
  • Annual fee

    $35
Min. deposit

$200 Refundable

Regular purchase APR

21.64%* Variable

Annual fee

$35

Capital One Platinum Secured Credit Card
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Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card

  • Min. deposit

    $49, $99 or $200
    Refundable
  • Regular purchase APR

    29.74% (Variable)
  • Annual fee

    $0
Min. deposit

$49, $99 or $200 Refundable

Regular purchase APR

29.74% (Variable)

Annual fee

$0

Great for building credit from scratch††
First Progress Platinum Prestige Mastercard® Secured Credit Card
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First Progress Platinum Prestige Mastercard® Secured Credit Card

Great for building credit from scratch††

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    14.24%*
    Variable
  • Annual fee

    $49
Min. deposit

$200 Refundable

Regular purchase APR

14.24%* Variable

Annual fee

$49

Great for establishing a credit history††
First Progress Platinum Elite Mastercard® Secured Credit Card
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First Progress Platinum Elite Mastercard® Secured Credit Card

Great for establishing a credit history††

First Progress Platinum Elite Mastercard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    24.24%*
    Variable
  • Annual fee

    $29
Min. deposit

$200 Refundable

Regular purchase APR

24.24%* Variable

Annual fee

$29

Great for building credit††
Merrick Bank Secured Credit Card
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Merrick Bank Secured Credit Card

Great for building credit††

Merrick Bank Secured Credit Card

  • Regular purchase APR

    21.70%*
    Variable
  • Annual fee

    $36 the first year. Billed $3 per month thereafter
Regular purchase APR

21.70%* Variable

Annual fee

$36 the first year. Billed $3 per month thereafter

Prosper® Card
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Prosper® Card

Prosper® Card

  • Regular purchase APR

    23.24% - 34.24%*
    Variable
  • Annual fee

    $0 intro with auto pay, then $39 after first year
Regular purchase APR

23.24% - 34.24%* Variable

Annual fee

$0 intro with auto pay, then $39 after first year

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†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.